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Wise or Western Union?
We record rates for both services on 41 corridors. Here is which one came out cheaper on each at the latest reading β total cost, fees and exchange-rate margin included.
What the readings show
Wise is cheaper on 21 of the 41 corridors where we compare both.
So there is no single answer: the cheaper one depends on the corridor, and sometimes on the amount sent.
Ranking is on total cost β advertised fees plus the margin taken on the exchange rate β for the same amount and on the same date. A rate recorded more than three days ago is not compared against today's market.
Corridor by corridor
| Corridor | Cheaper | Gap | |
|---|---|---|---|
| Canada β Haiti | Western Union (3.57%) | 14.12 points | See details |
| France β Haiti | Western Union (3.40%) | 9.42 points | See details |
| Spain β Dominican Republic | Western Union (2.79%) | 8.71 points | See details |
| France β Ethiopia | Western Union (4.06%) | 8.10 points | See details |
| Germany β Ethiopia | Western Union (4.06%) | 8.08 points | See details |
| United Kingdom β Ethiopia | Western Union (1.91%) | 6.42 points | See details |
| Germany β Tunisia | Western Union (3.51%) | 5.65 points | See details |
| Italy β Tunisia | Western Union (3.65%) | 5.57 points | See details |
| Canada β Morocco | Western Union (3.37%) | 5.22 points | See details |
| United States β Mexico | Wise (2.17%) | 5.17 points | See details |
| United States β Haiti | Western Union (7.24%) | 5.04 points | See details |
| France β Tunisia | Western Union (4.01%) | 4.95 points | See details |
| United States β Canada | Wise (1.88%) | 4.62 points | See details |
| United States β United Kingdom | Wise (1.56%) | 4.41 points | See details |
| United States β Colombia | Wise (3.90%) | 3.78 points | See details |
| United States β Nigeria | Wise (-0.46%) | 3.75 points | See details |
| United States β Kenya | Wise (3.63%) | 3.70 points | See details |
| Germany β Morocco | Western Union (2.62%) | 3.23 points | See details |
| United States β Ethiopia | Western Union (5.65%) | 3.18 points | See details |
| Germany β Ghana | Western Union (0.07%) | 2.90 points | See details |
| United States β Philippines | Wise (1.83%) | 2.80 points | See details |
| Spain β Morocco | Western Union (3.11%) | 2.74 points | See details |
| France β Morocco | Western Union (3.11%) | 2.70 points | See details |
| United Kingdom β Nigeria | Wise (-2.48%) | 2.66 points | See details |
| Germany β India | Wise (1.64%) | 2.33 points | See details |
| United Kingdom β Ghana | Western Union (0.08%) | 2.16 points | See details |
| Spain β Ecuador | Wise (1.52%) | 1.79 points | See details |
| Spain β Colombia | Wise (1.93%) | 1.56 points | See details |
| United Kingdom β Pakistan | Wise (0.86%) | 1.39 points | See details |
| United Kingdom β India | Wise (0.49%) | 1.30 points | See details |
| France β Nigeria | Wise (-1.46%) | 1.12 points | See details |
| United States β Ghana | Western Union (3.09%) | 1.10 points | See details |
| United States β India | Wise (1.81%) | 0.95 points | See details |
| United Kingdom β Kenya | Wise (2.41%) | 0.89 points | See details |
| Germany β Bangladesh | Wise (2.83%) | 0.83 points | See details |
| Germany β China | Western Union (3.51%) | 0.75 points | See details |
| United Kingdom β Bangladesh | Wise (2.07%) | 0.63 points | See details |
| United Kingdom β South Africa | Western Union (2.94%) | 0.58 points | See details |
| United Kingdom β Philippines | Wise (1.81%) | 0.34 points | See details |
| Germany β Nigeria | Wise (-1.53%) | 0.15 points | See details |
| Germany β Turkey | Wise (2.57%) | 0.15 points | See details |